HDFC Banking and PSU Debt Fund · Regular · Growth
NAV
₹24.4037
as of 13 Nov 2026
Expense Ratio
0.68%
AUM
₹5,200 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.48%
- 3Y
- +6.48%
- 5Y
- +5.77%
- Since Inception
- +7.32%
SIP returns (XIRR)
- 1Y
- +3.71%
- 3Y
- +5.53%
- 5Y
- +6.02%
- Since Inception
- +6.66%
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,25,983 today — ₹6,00,000 invested, 6.3% XIRR.
₹6,00,000
Invested
₹8,25,983
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,88,303 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹10,57,048.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹1,52,395 today (1.52×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.59
Sharpe Ratio
—
Alpha
—
Beta
-1.58
Sortino
1.38%
Std Dev
-1.06%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Indian Railways Finance Corp. Ltd.^5.41%
- 2Bajaj Housing Finance Ltd.^2.97%
- 3Rec Limited.^2.96%
- 4Indian Railways Finance Corp. Ltd.^2.96%
- 5Housing And Urban Development Corporation Ltd.^2.52%
- 6National Bank For Agri & Rural Dev.^2.47%
- 7Power Finance Corporation Ltd.^2.44%
- 8Punjab National Bank^2.39%
- 9Small Industries Development Bank^1.98%
- 10Lic Housing Finance Ltd.^1.97%
What this fund does
HDFC Banking and PSU Debt Fund · Regular · Growth by HDFC Mutual Fund is a Banking & PSU Debt fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Banking & PSU Debt category.
About This Fund
HDFC Banking and PSU Debt Fund · Regular · Growth is a Banking & PSU Debt mutual fund offered by HDFC Mutual Fund. The fund has been operational for over 12 years. It manages assets worth ₹5,200 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against Nifty Banking & PSU Debt Index A-II. The current expense ratio is 0.68%.